WEATHER A blizzard or tornado could keep most of your guests from getting to your wedding. Don’t laugh! We just had a tornado in Brooklyn! (That’s Brooklyn, New York. Not Brooklyn, Kansas.) Or your destination venue could be destroyed by a hurricane. With wedding insurance, you would get an automatic do-over. ACCIDENTS You don’t close the trunk to your car and your wedding dress falls out. Or your limo driver totals his stretch Hummer the week before your wedding. With wedding insurance you can buy a new dress and hire a new limo company. BAD THINGS Your sister/maid-of-honor gets in a car accident (god forbid) the week before your wedding and it needs to be postponed. Your wedding insurance will cover the cost of cancelling the original wedding and rescheduling a second one. BAD PEOPLE Your gifts get stolen. One of your vendors closes up shop a month before your wedding. Both catastrophes would be covered by your wedding insurance.

Yes, most of your vendors probably have insurance. But if you don’t buy your own policy, it’s up to you to keep tabs on everyone’s policies. And what bride has time to do that?

I’d rather buy a blanket policy—it’ll set you back $150 to $600 for $1,000,000 worth of coverage—and not have to deal with a crazy paper trail. Given the amount of money most people spend on weddings, I think an insurance policy is a pretty smart investment.

Do you already have wedding insurance? Have you thought about getting it? Have you heard of any wedding horror stories from couples that didn’t have insurance?